wow, so wish I found out about this forum earlier… sorry for length…
Background: in late 30’s. On LTD since Jan 2016. Started with seriously unusual endocrine system issue (hasn’t stabilized yet), magnified by chronic pain going bonkers (typically 4-6 days pain/bedridden), and now severe depression, no sleep, constant fatigue. Gasping for air ever since. Can’t describe how hard it is to break this vicious cycle.
Issue at hands: EOY (2018) was notified by insurer (big one) I’m being moved to a different “long term” division. Called and asked I apply for CPPD. Earlier 2018 I independently contacted Service Canada about it (tipped at a support group) - Was told I don’t meet the criteria due to insufficient contribution (cont’ only 3 of last 6y; also studied &lived abroad 3 years out of those – with 9 months employment there). Insurer asked I provide a letter from CPPD confirming I will “never qualify” and the reason (talk about killing all your hopes- was still hoping situation eventually improves so I can gain at least somewhat meaningful employment down the line… even though currently in total darkness). Service Canada replied it can’t provide such letter, and I have to go through the entire process. Currently finalizing all supporting documents and application
Q’s: Anyone in a similar situation? If I’m likely to be denied CPPD, will insurer cut me off immediately? What is likely ahead of me with insurer? Anything I can do to improve my situation/application with insurer/CPPD? Sorry for laundry list, so many negative thoughts it’s hard to think straight. Any and all advice will be immensely cherished.